Le PDG de l'unité Blockchain de JPMorgan appelle à la protection des consommateurs dans les projets d'actifs numériques

• Umar Farooq, chief executive officer of JPMorgan’s blockchain unit Onyx, stated that banks have to take precautions and implement steps to ensure consumer protection.
• JPMorgan Chase & Co. s'est associé à DBS Bank et SBI Digital Asset Holdings pour effectuer des transactions in tokenized foreign exchange and government bonds under Singapore’s Project Guardian.
• Farooq a également noté que de nombreux aspects de la technologie blockchain ont la capacité d'améliorer l'infrastructure financière actuelle et de rendre les services financiers plus efficaces, accessibles et abordables.

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JPMorgan Chase & Co., l'une des plus grandes banques d'investissement et sociétés de services financiers multinationales, s'est lancée dans l'industrie de la blockchain après s'être associée à DBS Bank et SBI Digital Asset Holdings pour effectuer des transactions en devises étrangères symboliques et en obligations d'État dans le cadre de Project Guardian, comme indiqué précédemment par Bitnation.

Dans une interview avec CNBC, Umar Farooq, chief executive officer of JPMorgan’s blockchain unit Onyx, stated that before implementing any experiment in the field of DeFi and blockchain, banks have to take precautions and implement steps to ensure consumer protection. However, he also noted that many aspects of the blockchain technology have the capacity to better the current financial infrastructure and also make financial services more efficient, accessible and affordable.

“What a bank needs to do from a regulatory point of view and customer’s point of view is that we need to protect our customers. We cannot lose their money,” Farooq said during a panel at the Singapore Fintech Festival 2022 on Wedneday.

Farooq estime que sans mettre en œuvre les mesures de protection des consommateurs, les entreprises impliquées dans l'expérience de la blockchain pourraient exposer les clients à des risques de cybersécurité. Cette déclaration intervient à un moment où plusieurs entreprises de cryptographie ont été piratées, exploitées et épuisées le mois dernier, ce qui en fait le pire mois pour l'industrie de la cryptographie en termes de sécurité en 2022.

According blockchain analytics firm Chainalysis, almost $3 billion have been drained in 2022 due to crypto hacks and more could be on the way. Some of the biggest crypto firms hacked include Mango Markets, BNB Chain’s BSC Token Hub, and many others. Moreover, within the first week of November, Panama-based crypto futures and options exchange Deribit a perdu $28 millions dans un piratage de portefeuille à chaud ce mois-ci.

“I do think you need some sort of identity solution or know-your-customer solution which verifies who the human being that is interacting is and what they are allowed to do. Because without that, in the longer term, it just doesn’t work,” he added in an interview with CNBC.

Farooq also confirmed that JPMorgan is currently using a solution called verifiable credentials which reside in the users’ crypto wallets and when any customer will use the new service to trade, their transactions will be secured via these credentials. Interestingly, Farooq also pointed out that the privacy feature of blockchains won’t hold for a long time as “sooner or later they will be in a money laundering incident.”

The CEO of JPMorgan’s blockchain arm believes that “education, protection and identity need to be in place” in order to safely send payments across borders without bringing the attention of the regulatory hammer.

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